CRED website screenshot

CRED

CRED is an Indian consumer fintech that started with premium credit-card bill payments and rewards and has expanded into peer-to-peer payments (Scan & Pay, Tap to Pay, RuPay credit card on UPI), short-term credit (CRED Cash, CRED Mint), wealth (CRED Money), e-commerce (CRED Store), and travel. CRED's surface area is overwhelmingly consumer-app and the company does not publish a public, self-service developer portal. Its engineering organisation contributes to the broader ecosystem via the engineering.cred.club tech blog and open-source repositories under the CRED-CLUB GitHub org. B2B integrations (merchant acceptance, issuer partnerships, etc.) are negotiated directly with the partnerships team.

CRED is profiled on the APIs.io network. Tagged areas include Consumer Fintech, Credit Cards, Bill Payment, Rewards, and UPI.

CRED’s developer surface includes GitHub presence, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub
8.7/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
Consumer FintechCredit CardsBill PaymentRewardsUPILendingIndia

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 8.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.4 / 20
Commercial Clarity 1.6 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 6.0 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/cred: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Cred Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Cred Vulnerability Disclosure

disclosure policy published

SECURITY

Cred Trust Center

ISO 27001, PCI DSS

SECURITY

Resources

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub
GitHub

Access & Security 3

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity

Company 6

The organization behind the API

Website
Website
 Engineering Blog
Engineering Blog
 LinkedIn
LinkedIn
 Careers
Careers
 Partnerships
Partnerships
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: cred
name: CRED
description: CRED is an Indian consumer fintech that started with premium credit-card bill payments and rewards and has expanded
  into peer-to-peer payments (Scan & Pay, Tap to Pay, RuPay credit card on UPI), short-term credit (CRED Cash, CRED Mint),
  wealth (CRED Money), e-commerce (CRED Store), and travel. CRED's surface area is overwhelmingly consumer-app and the company
  does not publish a public, self-service developer portal. Its engineering organisation contributes to the broader ecosystem
  via the engineering.cred.club tech blog and open-source repositories under the CRED-CLUB GitHub org. B2B integrations (merchant
  acceptance, issuer partnerships, etc.) are negotiated directly with the partnerships team.
type: Index
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cred.png
access: Partner-Only
position: Consumer
created: '2026-05-23'
modified: '2026-05-23'
tags:
- Consumer Fintech
- Credit Cards
- Bill Payment
- Rewards
- UPI
- Lending
- India
url: https://raw.githubusercontent.com/api-evangelist/cred/refs/heads/main/apis.yml
specificationVersion: '0.20'
apis: []
common:
- type: TrustCenter
  url: security/cred-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/cred-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/cred-domain-security.yml
- type: Website
  url: https://cred.club/
- type: Engineering Blog
  url: https://engineering.cred.club/
- type: GitHub
  url: https://github.com/CRED-CLUB
- type: LinkedIn
  url: https://www.linkedin.com/company/cred-club
- type: Careers
  url: https://careers.cred.club/
- type: Partnerships
  url: https://cred.club/partner-with-us
- url: https://engineering.cred.club/feed
  type: Blog
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com